Business funding
Business funding facilities
Every facility we broker, in plain English. Not sure which fits? Read our guide to choosing a facility, or just tell us what you need and we'll recommend one.
Term lending
Fixed sums, fixed horizon.
Unsecured term loan
A fixed lump sum repaid over an agreed term, with no asset used as security.
Amount
£15k – £500k
Term
3 mths – 6 yrs
Speed
24–48 hrs
Security
None
Secured term loan
A term loan secured against a business asset, usually at a lower rate.
Amount
£25k – £5m
Term
1 – 20 yrs
Speed
2–6 wks
Security
Asset
Flexible cashflow
Draw what you need, when you need it.
Revolving credit facility
A flexible limit you draw and repay as needed, so you only pay for what you use.
Amount
£10k – £500k
Term
Rolling
Speed
48 hrs
Security
Usually none
Merchant cash advance
An advance repaid as a percentage of your daily card takings.
Amount
£5k – £300k
Term
3 – 18 mths
Speed
24–72 hrs
Security
Card takings
Invoice finance
Release cash tied up in unpaid invoices instead of waiting for customers to pay.
Amount
To 90% of ledger
Term
Rolling
Speed
1–2 wks
Security
Ledger
Asset & equipment
Funding tied to the kit itself.
Asset finance – hire purchase
Spread the cost of an asset and own it outright at the end of the term.
Amount
£5k – £2m
Term
1 – 7 yrs
Speed
3–10 days
Security
The asset
Asset finance – lease
Use an asset for a fixed rental without owning it, keeping costs predictable.
Amount
£5k – £2m
Term
1 – 7 yrs
Speed
3–10 days
Security
The asset
Property
Buying, refinancing, bridging.
Commercial mortgage
A long-term loan to buy business premises, secured against the property.
Amount
£100k – £10m
Term
5 – 25 yrs
Speed
6–12 wks
Security
Property
Bridging loan
Short-term finance to bridge a gap until longer-term funding or a sale completes.
Amount
£50k – £5m
Term
1 – 24 mths
Speed
5–15 days
Security
Property